How can you best use the savings the result from
using an Offset Mortgage.

The client has 2 options in this regard.

1. Reducing the term of the mortgage now or 2. Reducing
their monthly mortgage payments.

(1) Reduce the term of the mortgage.

The money the client saves by using the offset mortgage
can be used to reduce the balance each month and pay off the mortgage
earlier. This could be days, months or even years.

(2) Reduce their monthly mortgage payments.

Payment reduction could be the best option if your client
wants to reduce their monthly expenditure. The mortgage interest they save
one month can be used to reduce the monthly mortgage payment in the
following month.